Things to have, some quick thoughts:
Well insulated building with a reversible heat pump.
Lots of windows and sliding doors.
Wrap around deck: front with extension to the lee side.
For domestic water from the lake: submersible pump, sediment and taste filters, and a UV purifier. Plumbing designed for easy draining in the fall.
Breakwater with permanent dock if allowed. 2nd seasonal dock if allowed.
A place for visitors to sleep – maybe a side room that can handle a sleep sofa
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